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WO2008015637A3 - Mobile payment method and system - Google Patents

Mobile payment method and system Download PDF

Info

Publication number
WO2008015637A3
WO2008015637A3 PCT/IB2007/053018 IB2007053018W WO2008015637A3 WO 2008015637 A3 WO2008015637 A3 WO 2008015637A3 IB 2007053018 W IB2007053018 W IB 2007053018W WO 2008015637 A3 WO2008015637 A3 WO 2008015637A3
Authority
WO
WIPO (PCT)
Prior art keywords
payment
request
purchaser
server
mcd
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Ceased
Application number
PCT/IB2007/053018
Other languages
French (fr)
Other versions
WO2008015637A2 (en
Inventor
Luis Alexandre Crespo A Simoes
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
FIRSTRAND BANK Ltd
Original Assignee
FIRSTRAND BANK Ltd
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by FIRSTRAND BANK Ltd filed Critical FIRSTRAND BANK Ltd
Publication of WO2008015637A2 publication Critical patent/WO2008015637A2/en
Publication of WO2008015637A3 publication Critical patent/WO2008015637A3/en
Anticipated expiration legal-status Critical
Ceased legal-status Critical Current

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/12—Payment architectures specially adapted for electronic shopping systems
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3223—Realising banking transactions through M-devices

Landscapes

  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Finance (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

This invention relates to a method for conducting a payment using a MCD, the method comprising the steps of sending a payment request from a POS device, wherein the payment request is for authorisation of payment from a purchaser to a vendor; receiving the payment request at a server; authenticating the purchaser's identity and creditworthiness at the server; if both the purchaser's identity and creditworthiness are authenticated, sending a confirmation request from the server, wherein the confirmation request is to confirm that the payment is to be made from the purchaser to the vendor; receiving the confirmation request at the MCD; and sending a confirmation message from the MCD to the server, confirming that the payment may be made.
PCT/IB2007/053018 2006-08-02 2007-07-31 Mobile payment method and system Ceased WO2008015637A2 (en)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
ZA200605374 2006-08-02
ZA2006/05374 2006-08-02

Publications (2)

Publication Number Publication Date
WO2008015637A2 WO2008015637A2 (en) 2008-02-07
WO2008015637A3 true WO2008015637A3 (en) 2008-07-03

Family

ID=38997552

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/IB2007/053018 Ceased WO2008015637A2 (en) 2006-08-02 2007-07-31 Mobile payment method and system

Country Status (1)

Country Link
WO (1) WO2008015637A2 (en)

Families Citing this family (9)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US8595137B2 (en) * 2010-03-17 2013-11-26 Thomas M. Sears Bankcard cash disbursements at casinos
US8874467B2 (en) 2011-11-23 2014-10-28 Outerwall Inc Mobile commerce platforms and associated systems and methods for converting consumer coins, cash, and/or other forms of value for use with same
WO2013160830A1 (en) * 2012-04-23 2013-10-31 Eraman Uvir A server and mobile device for authorizing a transaction
TW201405456A (en) * 2012-07-16 2014-02-01 Chien-Kang Yang Mobile device, payment transaction system and method of payment transaction
US20140122264A1 (en) * 2012-10-25 2014-05-01 Norse Corporation Systems and methods for integrating accounting software and payment processing systems
US20170039559A1 (en) * 2015-08-07 2017-02-09 Outerwall Inc. Methods, systems, and apparatuses for payment fulfillment
US10346819B2 (en) 2015-11-19 2019-07-09 Coinstar Asset Holdings, Llc Mobile device applications, other applications and associated kiosk-based systems and methods for facilitating coin saving
JP2021077273A (en) * 2019-11-13 2021-05-20 グローリー株式会社 Cash receiving system and cash receiving method
WO2021226540A1 (en) 2020-05-08 2021-11-11 Coinstar Asset Holdings, Llc Kiosk-based systems and methods for direct deposit of coin and/or other cash value

Citations (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP1136961A1 (en) * 2000-03-24 2001-09-26 Banco Bilbao Vizcaya Argentaria S.A. System and process for remote payments and transactions in real time by mobile telephone
DE10028028A1 (en) * 2000-06-08 2001-12-13 Ernst Forster Use of mobile telephone and SMS messaging with credit card or account to make transaction
US20020029342A1 (en) * 2000-09-07 2002-03-07 Keech Winston Donald Systems and methods for identity verification for secure transactions
US20020107007A1 (en) * 2002-03-27 2002-08-08 Howard Gerson Method for wireless telephony payment and an apparatus therefor
DE10229477A1 (en) * 2002-07-01 2004-01-29 Siemens Ag Payment system for cashless payments
GB2398159A (en) * 2003-01-16 2004-08-11 David Glyn Williams Electronic payment authorisation using a mobile communications device
EP1727085A1 (en) * 2004-10-08 2006-11-29 Epps Randy Cellular telephone based payment apparatus and method for use in purchase of goods and services

Patent Citations (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP1136961A1 (en) * 2000-03-24 2001-09-26 Banco Bilbao Vizcaya Argentaria S.A. System and process for remote payments and transactions in real time by mobile telephone
DE10028028A1 (en) * 2000-06-08 2001-12-13 Ernst Forster Use of mobile telephone and SMS messaging with credit card or account to make transaction
US20020029342A1 (en) * 2000-09-07 2002-03-07 Keech Winston Donald Systems and methods for identity verification for secure transactions
US20020107007A1 (en) * 2002-03-27 2002-08-08 Howard Gerson Method for wireless telephony payment and an apparatus therefor
DE10229477A1 (en) * 2002-07-01 2004-01-29 Siemens Ag Payment system for cashless payments
GB2398159A (en) * 2003-01-16 2004-08-11 David Glyn Williams Electronic payment authorisation using a mobile communications device
EP1727085A1 (en) * 2004-10-08 2006-11-29 Epps Randy Cellular telephone based payment apparatus and method for use in purchase of goods and services

Also Published As

Publication number Publication date
WO2008015637A2 (en) 2008-02-07

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